Arlington vs Modesto
Cost of Living Comparison · 2026
Arlington
Modesto
The Verdict
The cost gap between these cities is 46.4%, with Modesto being the more affordable option. A $75,000 income in Arlington has equivalent purchasing power to $51,220 in Modesto.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Arlington has the same purchasing power as $51,220 in Modesto.
Conversely, $75,000 in Modesto equals $109,821 in Arlington.
Living in Arlington vs Modesto
Housing Costs
Arlington's housing index of 249 is higher Modesto's 121, translating to median home prices of $740,000 vs $380,000. The $360,000 difference in home prices means roughly $23,400 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,350/mo in Arlington compared to $1,400/mo in Modesto, a monthly difference of $950.
Grocery & Food Costs
Grocery expenses index at 106 in Arlington and 100 in Modesto. A household spending the national average of $475/month on groceries would pay approximately $504/month in Arlington vs $475/month in Modesto. Modesto offers a meaningful advantage on everyday food costs, saving roughly $348/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 102 in Arlington and 108 in Modesto. Monthly utility bills average approximately $408 in Arlington vs $432 in Modesto. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 117 in Arlington and 100 in Modesto. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 17-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $145,000 in Arlington and $55,138 in Modesto. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $88,415 and $49,230 respectively. Arlington residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $3,383/month to housing in Arlington vs $1,287/month in Modesto. In Arlington, median rent of $2,350/mo fits within this budget. In Modesto, median rent of $1,400/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 128 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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